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  • Writer's pictureRalph M. Tsong

What you need to know about surrogacy and Open Enrollment


open enrollment

The Affordable Care Act (ACA) is a federal law that provides health insurance coverage to millions of Americans. Open enrollment is the period during which individuals can enroll in or change their health insurance plans. It is important for surrogacy journeys because it allows surrogates to choose insurance policies that cover surrogacy. 


Under the ACA, any U.S. citizen or permanent resident can apply for major medical insurance as long as they do so during open enrollment, and premiums are the same no matter what pre-existing conditions they have. Surrogates, even if pregnant from their surrogacy, can sign up for this kind of insurance during their state’s open enrollment period. If you learn that your health insurance or maternity coverage does not include a surrogate pregnancy, look for an Affordable Care Act (ACA) plan on the marketplace during open enrollment. 


ACA open enrollment is a crucial period during surrogacy journeys because it provides surrogates and intended parents the opportunity to choose a plan that will cover a surrogate pregnancy, and this may only be available during open enrollment. It's important to begin research as soon as possible to determine if the surrogate's current plan is surrogacy-friendly and if the ACA plan alternatives are friendly or friendlier. As we discussed in another article, some plans have liens that should be avoided, as they will raise the cost of the surrogacy journey. 


Depending on your county of residence, the ACA marketplace may not provide any surrogate-friendly plans. However, there are still some options available. For example, Lloyd's of London is a company that provides insurance coverage for surrogacy pregnancy. 


The following a chart of the state deadlines for open enrollment. 

States

Federal Open Enrollment Period for 2024 Plans

Alabama

November 1, 2023 – January 16, 2024

Alaska

November 1, 2023 – January 16, 2024

Arizona

November 1, 2023 – January 16, 2024

Arkansas

November 1, 2023 – January 16, 2024

Delaware

November 1, 2023 – January 16, 2024

Florida

November 1, 2023 – January 16, 2024

Georgia

November 1, 2023 – January 16, 2024

Hawaii

November 1, 2023 – January 16, 2024

Illinois

November 1, 2023 – January 16, 2024

Indiana

November 1, 2023 – January 16, 2024

Iowa

November 1, 2023 – January 16, 2024

Kansas

November 1, 2023 – January 16, 2024

Louisiana

November 1, 2023 – January 16, 2024

Michigan

November 1, 2023 – January 16, 2024

Mississippi

November 1, 2023 – January 16, 2024

Missouri

November 1, 2023 – January 16, 2024

Montana

November 1, 2023 – January 16, 2024

Nebraska

November 1, 2023 – January 16, 2024

New Hampshire

November 1, 2023 – January 16, 2024

North Carolina

November 1, 2023 – January 16, 2024

North Dakota

November 1, 2023 – January 16, 2024

Ohio

November 1, 2023 – January 16, 2024

Oklahoma

November 1, 2023 – January 16, 2024

Oregon

November 1, 2023 – January 16, 2024

South Carolina

November 1, 2023 – January 16, 2024

South Dakota

November 1, 2023 – January 16, 2024

Tennessee

November 1, 2023 – January 16, 2024

Texas

November 1, 2023 – January 16, 2024

Utah

November 1, 2023 – January 16, 2024

Virginia

November 1, 2023 – January 16, 2024

West Virginia

November 1, 2023 – January 16, 2024

Wisconsin

November 1, 2023 – January 16, 2024

Wyoming

November 1, 2023 – January 16, 2024


State

State Open Enrollment Period for 2024 Plans

California

November 1, 2023 – January 31, 2024

Colorado

November 1, 2023 – January 15, 2024

Connecticut

November 1, 2023 – January 16, 2024

Idaho

October 15, 2023 – December 15, 2023

Kentucky

November 1, 2023 – January 15, 2024

Maine

November 1, 2023 – January 15, 2024

Maryland

November 1, 2023 – January 15, 2024

Massachusetts

November 1, 2023 – January 23, 2024

Minnesota

November 1, 2023 – January 15, 2024

Nevada

November 1, 2023 – January 15, 2024

New Jersey

November 1, 2023 – January 31, 2024

New Mexico

November 1, 2023 – January 15, 2024

New York

November 1, 2023 – January 31, 2024

Pennsylvania

November 1, 2023 – January 15, 2024

Rhode Island

November 1, 2023 – January 31, 2024

Vermont

November 1, 2023 – January 15, 2024

Washington DC

November 1, 2023 – January 31, 2024

Washington

November 1, 2023 – January 15, 2024


Conclusion


In conclusion, Affordable Care Act open enrollment is important in many surrogacy journeys because it allows parties to find insurance policies for surrogates that cover their pregnancy and contain no surrogacy exclusions or liens. If you are a surrogate or intended parent, make sure the surrogate's insurance coverage has been reviewed by a professional and sign up for major medical insurance during open enrollment to ensure she is covered for a surrogacy pregnancy if her insurance does not cover surrogacy


If you are committed to ensuring that your surrogacy journey aligns seamlessly with legal, financial, and healthcare aspects, don't hesitate to reach out to us. Our expert team, licensed in CA, NY, IL, WA, AZ, OK, is ready to provide the legal guidance and support you need. Contact us now.

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